Thank you, Mr. Chair.
Thank you to our presenters.
I'll ask Mr. Brain and Mr. Wudrick a couple of questions with respect to poverty reduction. This is a study on poverty reduction. I think the committee is determined to come out with a different style of report, and not just the same old policies debated back and forth.
That being said, Mr. Brain, you talked about the TFSA and how beneficial that was. Can you explain to me how beneficial the TFSA is to those living in poverty right now? And in your business, how many of the people who you actually deal with live in poverty?